MoneyTips Caravan Loan Repayment Calculator

Our Caravan Loan Repayment Calculator helps you estimate your likely monthly caravan loan repayments, understand how much interest you may pay over time, and visualise your loan via amortisation charts. It’s important because small changes to your purchase price, deposit, loan term or interest rate can materially affect cash flow and the total cost of caravan finance, helping you plan a realistic budget before you apply.

How to complete the form for the best result

1. Purchase Price

Enter the full caravan purchase price you expect to finance. If you plan to roll costs into the loan, consider adding likely upfront expenses such as registration, insurance and other on-road costs (where applicable). Use whole numbers only (no decimals or commas) to match the calculator format.

2. Deposit or Trade-in Value (if applicable)

Add any cash deposit and/or the trade-in value of an existing caravan. If you have no deposit or trade-in, leave this field blank. A higher deposit generally reduces the amount borrowed and can lower repayments and total interest.

3. Term of Loan (years)

Select the number of years you want to repay over. Longer terms usually reduce monthly repayments but increase the overall cost of the loan due to more interest over time. Choose a term that fits your budget with a buffer for rate rises and living costs.

4. Interest Rate (percent per annum)

Select an interest rate to simulate. The listed range is indicative only and your actual rate can only be confirmed after you apply, based on factors like credit history and employment.

5. Calculate

Click calculate to generate your estimated repayment and amortisation charts.

How to interpret the results

1. Repayment estimate

Use the monthly repayment figure as a budgeting guide, then compare scenarios by adjusting the term, deposit and interest rate.

2. Amortisation charts

The loan balance chart shows how your debt reduces month by month. The interest versus principal chart highlights that early repayments typically include a higher interest portion, with more of each payment going to principal later in the term.

Important information (ASIC-style general guidance)

Results are estimates and do not constitute a quote. They may not include fees, charges, or lender-specific features. This information is general and does not consider your objectives, financial situation or needs. Consider whether a caravan loan is appropriate for you and seek personalised advice if required. Credit is subject to approval and terms and conditions.